White Oak, TX
White Oak, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts White Oak at the 65th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 3,205 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, White Oak's burn probability — fire likelihood with no building count factored in — sits at the 65th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in White Oak (77.4% of 3,205 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 22.6% sit in the Direct zone.
White Oak against the rest of the country
White Oak's 65th national percentile looks worse in isolation than its 21st ranking inside Texas does — this place is on the milder end for its own state, by 44 points. Among the 31,521 US communities USFS scores, White Oak ranks 10,953 for wildfire risk (1 is highest) and 5,159 by building count (1 is largest). Within Texas alone, it ranks 1,411 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
White Oak and the insurance market
White Oak's high rating (65th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because 77.4% of White Oak's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 3,205 counted buildings into the percentiles shown above for White Oak. For more on what indirect exposure implies beyond White Oak, see the exposure-zones guide.